Product Manager

Thatch; San Francisco (CA); On-site; USD 120,000 - 180,000; Full time

Job summary

Thatch in San Francisco is seeking a Product Manager to own the financial infrastructure behind the member experience and shape its evolution over the next two to three years.

You’ll manage systems that move real money for members—balances, monthly premium payments, reimbursements, and substantiations—ensuring accuracy, reliability, and scalability while building self-serve capabilities to reduce errors and support load.

Qualifications

• 4–6 years of product management experience with ownership of financial infrastructure, payments, or fintech products
• Strong data fluency: comfortable writing SQL, defining metrics, and working with data engineers on dashboards and error-detection instrumentation
• Systematic thinker energized by complexity and root-cause analysis
• Strategic mindset with multi-year view and sequencing decisions
• Tracks record of operating independently with cross-functional alignment
• Experience building for scale and handling high-volume systems

Responsibilities

• Own the member financial infrastructure: balances, monthly premium payments, reimbursements, and substantiation flows with reliability and scale
• Define and own the instrumentation for member financial flows with measurable performance and visibility
• Collaborate with ops and support to identify costly financial issues and build product solutions to eliminate them
• Own the longer-term member product strategy with a multi-year view and prioritize investments (e.g., HSAs, portable health accounts, AI-powered personalization)
• Partner with the onboarding PM to ensure seamless handoff from enrollment to active member and downstream financial accuracy
• Measure impact of automation and self-serve features on operations cost and member satisfaction

Skills

Product management

Data fluency

Strategic thinking

Independent operator

Cross-functional collaboration

SQL

Job description

About the role

We’re hiring a Product Manager to own the financial infrastructure that underpins the Thatch member experience, and to define its future for the next two to three years.

You’ll own the systems that move real money on behalf of members: balances, monthly premium payments, reimbursements, and substantiations. You’ll make them accurate, reliable, and scalable, and you’ll build the self-serve capabilities that let members and internal teams spend less time managing errors and more time on things that matter.

Over the longer horizon, you’ll own member product investments that will define whether we can win on member value. You’ll own the strategic groundwork for these investments: understanding what members need, what the infrastructure has to support, and how to sequence the bets that matter most.

This is a rare combination of build-for-now and build-for-the-future. If you’re energized by financial infrastructure that has to work perfectly at scale, and excited about the longer arc of what a great member health and financial experience can look like, this role is for you.

What you'll do

• Own the member financial infrastructure: member balances, monthly premium payments, reimbursements, and substantiation flows, with a relentless focus on reliability, accuracy, and scale
• Drive the reliability and efficiency roadmap on the member financial side: eliminate the root causes of payment and reimbursement errors, build self-serve capabilities that reduce support ticket volume, and automate the resolution flows that today require manual intervention
• Define and own the instrumentation for member financial flows: work with data and engineering to ensure errors are detected early, performance is measurable, and the team has the visibility to improve continuously
• Collaborate with ops and support to identify the member financial issues that are most costly to serve, and build product solutions that systematically eliminate them
• Own the longer-term member product strategy: develop and maintain a multi-year view of what Thatch needs to build to deliver a differentiated member experience (e.g. HSAs, portable health accounts, AI-powered personalization) and partner with leadership to prioritize and sequence those investments
• Partner with the Member Onboarding PM to ensure the handoff from enrollment to active member is seamless, and that financial accuracy downstream of enrollment is treated as a product responsibility
• Measure the impact of your work: each automation built and each self-serve resolution shipped has a direct and measurable effect on ops cost and member satisfaction at scale

Background we're looking for

• 4–6 years of product management experience, with meaningful ownership of a financial infrastructure, payments, or fintech product
• Strong data fluency: comfortable writing SQL, defining metrics from scratch, and working with data engineers to build dashboards and error-detection instrumentation
• Systematic thinker who is energized by complexity: you want to understand failure modes and root causes, not just the happy path, and you build toward eliminating them
• Strategic range: you can zoom out from the current-quarter roadmap to hold a multi-year view of where a product needs to go, and make the case for sequencing decisions
• Track record of operating independently: defining your own scope, driving cross-functional alignment, and shipping without a lot of hand-holding
• Experience building for scale: you have seen how systems that work at low volumes break under load, and you know how to get ahead of it

Experience we’d be particularly excited about

• Background in fintech, health fintech, or other products that handle real money flows on behalf of users, where payment accuracy has direct member or compliance consequences
• Experience with reimbursement flows, member balance infrastructure, HRA/HSA/FSA administration, or payment reconciliation
• Prior work at a company that scaled through a high-growth period: you’ve built financial systems designed for 10x volume before
• Experience working on products with a significant ops or support dimension: you know that support ticket volume is a product problem, and you’ve built to reduce it
• Exposure to longer-horizon member product strategy: personalization, health financial accounts, care navigation, or AI-powered member tooling in a regulated industry

What to expect

We want this process to be transparent, thoughtful, and reflective of the work you’ll be doing every day. Our goal is to learn how you think, collaborate, and create — while giving you a clear sense of the team, our culture, and how we work together. Here’s what the process looks like:

• 30-minute video interview screen to talk through your background and interest in Thatch.
• 30 minute first-round video interview with the hiring manager to dive deeper into your experience and the role.
• 30 minute video meetings to connect with 2-3 members of the team.
• 30 minute video meeting with our founder to discuss culture, values, and how we operate as a company.

We aim to move efficiently while giving you space to share your thinking, ask questions, and get a real sense of what it’s like to work here.

About Thatch

We’re a fully distributed early stage company using technology to change the way America does healthcare. We’re a happy, friendly, high-velocity team. You can read more on Thatch here.